Why I built Spendwisee ?

For years my personal finance stack was a spreadsheet, three abandoned apps, and a low-grade anxiety about where money kept going.

The trackers were tap-heavy. The investment apps ignored budgets. The budgeting apps ignored SIPs, PPF, EPF, gold — the actual scaffolding of an Indian household's savings. The finance chatbots gave textbook advice instead of answers about my data. And the "smart" SMS-scraping apps read my transactions to sell my profile.

So I built Spendwisee.

What it does:

• Natural-language input — type coffee 200, lunch 150 and it parses, categorizes, files

• Monthly budget with per-category donut, spend heatmap, month-on-month comparison

• Full portfolio in one app — Stocks, MFs (AMFI-backed for India), FD, PPF, NPS, EPF, Gold, Crypto, real estate. Live P&L. SIP tracker that auto-processes contributions.

• AI assistant (Medha) that only sees your data — ask "how much did I spend on food last month" and she answers using your actual numbers

• Multi-currency (₹ default, 18+ supported), offline-first, biometric lock, home-screen widget for quick add

• No ads. No selling your data. Ever.